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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,996 | $105,200-39.2% | $159,474-59.9% | $85,847-25.5% |
| Participation rate | 94.3% | 75.8%+18.5pp | 82.8%+11.5pp | 69.3%+25.0pp |
| Annual return | 8.60% | 45.08%-36.5pp | 263.68%-255.1pp | 318.61%-310.0pp |
| Employer contribution / active EE | $2,934 | $3,319-11.6% | $4,831-39.3% | $2,565+14.4% |
| Participant deferral / active EE | $4,497 | $5,946-24.4% | $7,353-38.8% | $3,952+13.8% |
| Admin fee / account holder | $4,385 | $6,934-36.8% | $10,802-59.4% | $6,261-30.0% |